DIANNE Harold-Biffin stood in her living room with flood water around her knees.
"It wasn't possible for us to insure our property after the old policy expired in September," Mrs Harold-Biffin said.
Alongside her husband she fought to sand bag her home on Riverside Drive, South Grafton, until 3am in the morning when the water broke through.
"When it finally came through it was just really powerful," she said.
"Until the water subsides we won't be able to assess the damage.
"We have been here for 20 years and we've never had our home flood."
As she speaks the water continues to surge higher and the carpet lifts from the floor.
She said her and her husband would spend the night on the top floor of their home.
Her husband was hopeful the water had stopped rising.